Logo image of XYF

X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:XYF - US98372W2026 - ADR

6.88 USD
-0.29 (-4.04%)
Last: 11/28/2025, 8:07:11 PM
6.92 USD
+0.04 (+0.58%)
After Hours: 11/28/2025, 8:07:11 PM
Fundamental Rating

5

Overall XYF gets a fundamental rating of 5 out of 10. We evaluated XYF against 55 industry peers in the Consumer Finance industry. XYF scores excellent on profitability, but there are some minor concerns on its financial health. XYF is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

8

1. Profitability

1.1 Basic Checks

In the past year XYF was profitable.
XYF had positive earnings in 4 of the past 5 years.
Of the past 5 years XYF 4 years had a positive operating cash flow.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

Looking at the Return On Assets, with a value of 12.77%, XYF belongs to the top of the industry, outperforming 94.55% of the companies in the same industry.
With a decent Return On Equity value of 22.63%, XYF is doing good in the industry, outperforming 78.18% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 33.84%, XYF belongs to the top of the industry, outperforming 94.55% of the companies in the same industry.
XYF had an Average Return On Invested Capital over the past 3 years of 16.93%. This is significantly above the industry average of 11.33%.
The last Return On Invested Capital (33.84%) for XYF is above the 3 year average (16.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 12.77%
ROE 22.63%
ROIC 33.84%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

XYF has a better Profit Margin (23.29%) than 83.64% of its industry peers.
XYF's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 63.40%, XYF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of XYF has grown nicely.
XYF has a Gross Margin of 74.88%. This is in the better half of the industry: XYF outperforms 65.45% of its industry peers.
In the last couple of years the Gross Margin of XYF has grown nicely.
Industry RankSector Rank
OM 63.4%
PM (TTM) 23.29%
GM 74.88%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

More info and screens

5

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), XYF is creating value.
XYF has a better debt/assets ratio than last year.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

XYF has an Altman-Z score of 2.57. This is not the best score and indicates that XYF is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of XYF (2.57) is better than 81.82% of its industry peers.
A Debt/Equity ratio of 0.41 indicates that XYF is not too dependend on debt financing.
XYF's Debt to Equity ratio of 0.41 is fine compared to the rest of the industry. XYF outperforms 78.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF N/A
Altman-Z 2.57
ROIC/WACC20.89
WACC1.62%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

A Current Ratio of 1.59 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a better Current ratio (1.59) than 67.27% of its industry peers.
A Quick Ratio of 1.59 indicates that XYF should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.59, XYF is doing good in the industry, outperforming 67.27% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.59
Quick Ratio 1.59
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

More info and screens

4

3. Growth

3.1 Past

XYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.57%, which is quite impressive.
XYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.75% yearly.
Looking at the last year, XYF shows a very strong growth in Revenue. The Revenue has grown by 45.11%.
Measured over the past years, XYF shows a quite strong growth in Revenue. The Revenue has been growing by 13.71% on average per year.
EPS 1Y (TTM)44.57%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.93%
Revenue 1Y (TTM)45.11%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%65.6%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 1.22, the valuation of XYF can be described as very cheap.
Based on the Price/Earnings ratio, XYF is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of XYF to the average of the S&P500 Index (26.31), we can say XYF is valued rather cheaply.
Industry RankSector Rank
PE 1.22
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

90.91% of the companies in the same industry are more expensive than XYF, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.01
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The excellent profitability rating of XYF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.07
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

4

5. Dividend

5.1 Amount

XYF has a Yearly Dividend Yield of 4.13%, which is a nice return.
The stock price of XYF dropped by -54.74% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 5.12, XYF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, XYF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.13%

5.2 History

XYF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

More info and screens

X FINANCIAL-ADR

NYSE:XYF (11/28/2025, 8:07:11 PM)

After market: 6.92 +0.04 (+0.58%)

6.88

-0.29 (-4.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-21 2025-11-21/bmo
Earnings (Next)03-19 2026-03-19
Inst Owners4.35%
Inst Owner Change9.25%
Ins Owners1.89%
Ins Owner ChangeN/A
Market Cap290.40M
Revenue(TTM)7.50B
Net Income(TTM)1.75B
Analysts45
Price TargetN/A
Short Float %5.62%
Short Ratio1.44
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date09-26 2025-09-26 (0.28)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.22
Fwd PE N/A
P/S 0.27
P/FCF N/A
P/OCF N/A
P/B 0.27
P/tB 0.27
EV/EBITDA 1.01
EPS(TTM)5.65
EY82.12%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS25.12
BVpS25.85
TBVpS25.73
PEG (NY)N/A
PEG (5Y)0.07
Graham Number57.33
Profitability
Industry RankSector Rank
ROA 12.77%
ROE 22.63%
ROCE 43.65%
ROIC 33.84%
ROICexc 33.84%
ROICexgc 33.96%
OM 63.4%
PM (TTM) 23.29%
GM 74.88%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexgc growth 3Y18.75%
ROICexgc growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.55
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF N/A
Debt/EBITDA 0.67
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.59
Quick Ratio 1.59
Altman-Z 2.57
F-ScoreN/A
WACC1.62%
ROIC/WACC20.89
Cap/Depr(3y)148.84%
Cap/Depr(5y)104.75%
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.18%
Profit Quality(3y)68.29%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)44.57%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)45.11%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%65.6%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y88.72%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.3%
FCF growth 3Y50.06%
FCF growth 5Y20.85%
OCF growth 1Y87.07%
OCF growth 3Y50.23%
OCF growth 5Y20.46%

X FINANCIAL-ADR / XYF FAQ

What is the ChartMill fundamental rating of X FINANCIAL-ADR (XYF) stock?

ChartMill assigns a fundamental rating of 5 / 10 to XYF.


What is the valuation status for XYF stock?

ChartMill assigns a valuation rating of 4 / 10 to X FINANCIAL-ADR (XYF). This can be considered as Fairly Valued.


Can you provide the profitability details for X FINANCIAL-ADR?

X FINANCIAL-ADR (XYF) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for XYF stock?

The Price/Earnings (PE) ratio for X FINANCIAL-ADR (XYF) is 1.22 and the Price/Book (PB) ratio is 0.27.


Can you provide the financial health for XYF stock?

The financial health rating of X FINANCIAL-ADR (XYF) is 5 / 10.